Payment Card Inc.

What Payment Card Inc. does

Payment Card Inc., operating as Payment Card Corporation, is a U.S.-domiciled payment processing company headquartered at 6480 Busch Boulevard in Columbus, Ohio. Founded in 2015, the firm operates as a Registered ISO of PNC Bank, N.A. and serves SMB and mid-market merchants across more than a dozen verticals, including retail, restaurant, wholesale, non-profit, financial services, healthcare, automotive, petroleum and c-store, property management, mobility/parking, government, and education. Pricing is structured as 0.5% + $0.05 per transaction with a $9.95 flat monthly merchant fee, backed by a $1,000 price-beat guarantee against competitors' processing costs.

The product portfolio spans bank cards (debit, credit, prepaid), gift cards, and electronic checks, alongside an extensive reseller ecosystem of POS hardware including Clover (Fiserv), Elo PayPoint, Verifone, Ingenico, PAX, and Talech devices. Beyond core acquiring, PCI offers a Payment Facilitator (PayFac) Platform for sub-merchant onboarding with automated KYC/AML and chargeback management, a Software Vendor Program with APIs/SDKs and white-label options, and ISO/Agent/Referral partner programs. Advanced capabilities include an Adaptive AI Fraud Defense using neural network-based real-time risk scoring, instant digital card issuance to Apple Pay/Google Pay/Samsung Pay via tokenization, and integration with FedNow and Real-Time Payments rails for instant settlement.

The go-to-market is sales-led and partner-driven: an internal sales team handles direct SMB onboarding via phone and email, while ISOs, sales agents, referral partners, dealers, and software vendors distribute processing residuals. Revenue is generated from transaction processing fees, monthly subscriptions, partner residuals and commissions, and POS hardware sales. Marketing is executed via content (articles, ebooks, case studies), organic social across Facebook, Instagram, LinkedIn, Pinterest, TikTok, X, and YouTube, SEO, email, and partner referral channels. The company self-reports a footprint of 500+ merchant customers, with PCI-DSS and SOC 2 Type II compliance certifications in place.

Name

Payment Card Inc.

Legal name

Payment Card Corporation

Website

https://paymentcardinc.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Payment Card Inc. (Payment Card Corporation) is a Columbus, Ohio-based payment processor operating as a Registered ISO of PNC Bank, serving SMB and mid-market merchants across 15+ verticals with card acquiring, POS hardware, a PayFac platform, and an ISO/agent partner program at 0.5% + $0.05 per transaction.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Payment Processing & Acquiring Infrastructure (FSAGABAC)

Keywords

• Payment processing
• Merchant services
• POS systems
• Credit card processing
• Payment facilitator

Headquarters

HQ city

Columbus, Ohio

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Transaction Processing Fees: Charges a percentage plus fixed fee per transaction (0.5% + $0.05 per transaction) for processing credit and debit card payments.
2. Monthly Subscription: Flat monthly fee of $9.95 for merchant account services.
3. Partner Residuals and Commissions: Revenue from partner programs where ISOs, agents, and referral partners earn residuals based on merchant processing volume.
4. POS Hardware Sales: Sale of point-of-sale hardware including Clover terminals, Elo PayPoint, Verifone, Ingenico, and PAX devices.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels6 records

Core offering

Payment Card Inc. is a registered Independent Sales Organization (ISO) of PNC Bank, N.A. that provides merchant payment processing services to businesses across multiple verticals. The company processes credit and debit card transactions, ACH/electronic checks, and mobile wallet payments at a published rate of 0.5% + $0.05 per transaction plus a $9.95 monthly fee, with a $1,000 price-beat guarantee. It also resells and supports POS hardware (Clover, Verifone, Ingenico, PAX, Elo PayPoint, Talech) and operates a Payment Facilitator (PayFac) platform and Software Vendor Program with APIs/SDKs for embedded payments.

Product overview

Payment Card Inc. is a payment processing company offering a comprehensive suite of payment solutions organized as a platform with core products and vertical-specific solutions. The core product portfolio includes Bank Cards (debit, credit, prepaid), Gift Cards (digital and plastic), and Electronic Checks, complemented by an extensive POS terminal ecosystem featuring Clover POS systems (Station Duo, Station Solo, Mini, Flex, Compact, Kiosk, Flex Pocket), Elo PayPoint, Ingenico terminals, PAX terminals, Verifone terminals, and Talech Register. The company operates platform offerings including a Payment Facilitator (PayFac) Platform enabling sub-merchant onboarding, a Software Vendor Program with APIs and SDKs, and ISO/Agent Partner Programs. Vertical solutions span healthcare, property management, automotive, mobility/parking, and contractor services. Advanced capabilities include Adaptive AI Fraud Defense using neural networks for real-time fraud detection, instant digital card issuance, and real-time payment rails integration (FedNow, RTP).

Differentiator

Problem solved

Functional benefit

Products and services

• Bank Cards Comprehensive bank card processing solutions including debit, credit, and prepaid card acceptance with EMV chip technology, tokenization, global acceptance in 170+ countries, and mobile wallet integration (Apple Pay, Google Pay). Sold to merchants across all served verticals.
• Gift Cards Customizable gift card programs available as digital or plastic cards with tokenization, EMV support, and real-time tracking for merchant loyalty and revenue generation.
• Electronic Checks (eCheck/ACH) ACH-based electronic check payment solutions enabling faster merchant payments with built-in encryption, real-time tracking, recurring billing support, and B2B transaction handling.
• Clover POS Systems Full suite of Clover POS hardware (Station Duo, Station Solo, Mini, Flex, Compact, Kiosk, Flex Pocket, Clover Go) sold to merchants for retail and restaurant operations with cloud-based inventory, sales tracking, and employee management.
• Elo PayPoint All-in-one Elo Touch POS system combining cash register, payment terminal, and checkout station with touchscreen display, built-in barcode scanner, receipt printer, and cash drawer for retail and hospitality merchants.
• Ingenico Terminals Range of Ingenico payment terminals including Desk/3500, Desk/5000, Lane/1500, Lane/3000, Lane/5000, Link/2500, MOVE/5000, and Moby/5500 sold to merchants for various retail environments.
• PAX Terminals PAX payment devices including A920 (mobile all-in-one), A35 (compact countertop), E700 (POS terminal), and S300 sold to merchants for flexible payment acceptance.
• Verifone Terminals Verifone payment terminals including V400m (mobile all-in-one) and P200 sold to merchants for secure countertop and mobile payment processing.
• FD150 with RP10 Pin Pad All-in-one countertop payment system combining the FD150 main terminal with RP10 customer-facing PIN pad for secure chip, contactless, and swipe transactions sold to merchants.
• Talech Register All-in-one POS system with advanced reporting, inventory tracking, and seamless payment integration sold to retail and restaurant merchants.
• Payment Facilitator (PayFac) Platform Platform enabling software companies to become payment facilitators with instant sub-merchant onboarding, automated KYC/AML checks, real-time fraud monitoring, chargeback management, and flexible payout engines. Sold to mid-market software platforms.
• Software Vendor Program Partner program offering APIs, SDKs, and developer tools for software vendors to integrate payment solutions with white-label options, revenue sharing, multi-currency support, and 24/7 partner support. The developer portal is at portal.paymentcardinc.com.
• ISO/Agent Partner Program Channel program for Independent Sales Organizations (ISOs), sales agents, and referral partners offering white-label processing, lifetime residuals, milestone bonuses, and a registered ISO opportunity under PNC Bank sponsorship.
• Merchant Savings Calculator Self-service online calculator tool for prospective merchants to estimate potential savings on credit card processing costs.
• Instant Digital Issuance Digital card issuance service enabling financial institution customers to spend immediately upon approval via Apple Pay, Google Pay, and Samsung Pay through a secure tokenization platform.
• Online Rent Payment Platform Property management payment platform for landlords and multifamily operators with split payments, recurring billing, payment reminders, ACH support, and mobile app access; integrates with property management and accounting software.
• Healthcare Payment Solutions Healthcare payment integration package for medical practices and clinics, supporting card-on-file, recurring billing, FSA/HSA payments, and integration with practice management software across 2,000+ third-party integrations.
• Mobility Payment Solutions Payment solutions package for EV charging, parking management, car washes, ride-sharing, mass transit, and in-dash payments with mobile and contactless options.
• Automotive Payment Solutions Payment solutions package for automotive dealerships, auto shops, parts suppliers, and fleet services with DMS integration and mobile payment options.
• Contractor & Service Provider Solutions Payment processing, invoicing software, and payroll integration for contractors and service providers with cloud-based billing and field payment capabilities; QuickBooks Online sync.

Quantifiable outcome

• Save up to 40% on processing costs compared to traditional processors
• +1 more outcomes

Named customers1 record

Segments15 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability7 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Clover (Fiserv)coreTechnology or IntegrationClover is a core POS platform supported by PCI due to its flexibility, modern design, and strong ecosystem of applications. Clover enables businesses to accept payments while managing sales, inventory, employees, and customer engagement from a single platform.
• Global Payments (TSYS)coreTechnology or IntegrationGlobal Payments is a global payments leader known for its robust processing infrastructure and extensive international reach. Their platform provides secure, high-performance payment processing solutions supporting businesses across multiple industries and geographies.
• Financial InstitutionscoreChannel Partner/ Reseller/ DistributorPCI partners with banks and credit unions to strengthen financial infrastructure and enhance the reach and accessibility of electronic payment services.
• Industry AssociationsminorStrategic or Co-development PartnerPartnerships with industry associations related to retail, healthcare, hospitality, and other sectors to stay informed about industry trends, compliance requirements, and networking opportunities.
• POS System ProviderscoreTechnology or IntegrationPartnering with POS system providers facilitates the integration of electronic payment services directly into retail and hospitality businesses, ensuring a cohesive and efficient payment experience.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stax (formerly Fattmerchant): Subscription-based payment processor targeting SMBs with transparent interchange-plus pricing and vertical SaaS integrations. Closely comparable to PCI's SMB-focused, rate-transparent acquiring model with partner/reseller programs.
• National Processing: SMB-focused ISO offering card-present and card-not-present acquiring with partner/agent programs. Comparable in ISO model, vertical targeting (retail, restaurant, e-commerce), and partnership-led GTM.
• Payment Depot: Wholesale-style ISO targeting SMBs with interchange-plus pricing and ISO/agent partner residuals. Directly comparable in business model, GTM (partner channel), and pricing transparency.
• Flagship Merchant Services: Independent ISO/agent-focused payment processor competing on rate and residual programs. Directly comparable on ISO/agent channel model and SMB acquiring.
• Dharma Merchant Services: SMB-focused payment processor with a flat-rate pricing model and emphasis on customer service. Closely comparable to PCI's value proposition of transparent low rates plus attentive merchant support.
• Helcim: SMB payment processor offering transparent interchange-plus pricing, POS solutions, and partner programs. Comparable in pricing model, multi-vertical SMB focus, and emphasis on partner-driven distribution.
• Heartland Payment Systems (Global Payments): Large SMB-focused acquirer offering POS, payroll, and lending adjacent services. Closely comparable in vertical breadth (restaurant, retail, petroleum, healthcare) and ISO-style distribution, though at significantly larger scale.

Broad incumbents

• Fiserv (Clover):
• Block (Square): Vertically integrated SMB payments and POS platform (Square, Cash App) with hardware, software, and lending. Comparable in target customer (SMB) and full-stack acquiring + POS offering, but at vastly larger scale and with proprietary infrastructure rather than ISO reliance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks2 records

Key highlights5 records

Customer concentration

• Xx.com/paymentcardinc
• YouTubeyoutube.com/channel/UCuFzNl0jQJf7AJCSYxmZl_g
• Facebookfacebook.com/profile.php?id=61560844655903
• LinkedInlinkedin.com/company/payment-card-inc
• Instagraminstagram.com/paymentcardinc
• Pinterestpinterest.com/paymentcardinc/_profile
• TikToktiktok.com/@paymentcardinc?lang=en

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Payment Card Inc.